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� <br /> 99 110575 <br /> PRE-PAYMENT RIDER TO THE NOTE AND DEED OF TRUST <br /> There will be a 4% prepayment penalty if more than 20 % of the principal balance is paid <br /> off in any of the first three year(s). A payment of principal only is known as a <br /> "prepaymenY'. When I make a prepayment, I will tell the Note Holder in writing that I am <br /> doing so. If I make a partial prepayment, there will be no changes in the due date or in <br /> the amount of my monthly payment unless the Note Holder agrees in writing to those <br /> changes. <br /> 10-29-1999 <br /> � ,� <br /> Signature <br /> LUE J ALLAN JR <br /> �/UG�� <br /> Signat "e • <br /> MAR ARET V ALLAN <br /> � <br />